We do not provide any advice based on any consideration of your objectives, financial situation or needs.
Policy terms, conditions, limits, exclusions and underwriting criteria apply. Before making a decision
please consider the relevant PDS available from us. If you purchase this insurance, we will receive
commission that is a percentage of the premium. Ask us for more details before we provide you with services.
If the agreed premium threshold is met, we will also receive a percentage of the profit which exceeds the agreed profit threshold for Home (excluding flood), Landlord (excluding flood), Motor and Caravan and Trailer policies arranged by us or renewed with Allianz in each calendar year. Allianz also reimburses us for marketing costs we incur to promote its products. This is capped at a percentage of the premium earned on policies arrange by us with Allianz in the prior calendar year. Ask us for more details before we provide you with services.

The Financial Services Guide - Ray White Insurance can be viewed here. This information has been prepared without taking into account your individual objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. You should, before acting on this information, consider its appropriateness to your circumstances. You can download the Product Disclosure Statement (PDS) for each of the insurances by clicking on the relevant link or call 1800 221 773. The PDS should be considered in making any decision about this product.

* Minimum premiums may apply. Any discounts/entitlements may be subject to rounding and only apply to the
extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of
them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any
prior applied discounts/entitlements. Any online discounts offered are applied to our standard rates
(excluding optional covers) and are for the first years premium only (unless stated otherwise Discounts
may not be applied to any flood component of the premium (if applicable)).

+ To qualify for the maximum No Claim Bonus of 30%, customers must have had no home or contents insurance
claims in the preceding five years. However, customers who have had up to two claims may still qualify
for reduced No Claim Bonus.

^ Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding
and financial institution transaction fees may apply.

~ Where used, the term "Unlimited" only means there is no capped dollar sum insured. Terms, conditions, limits and exclusions apply as set out in the Product Disclosure Statement. All costs and expenses claimed must be reasonable. We will only pay for treatment received and/or hospital accommodation during the 12 month period after the sickness first showed itself or the injury happened.

2 Terms, conditions, limits and exclusions apply. Sub-limits apply to particular kinds of losses or claims. Please refer to the Product Disclosure Statement for full details.

4 Covers accidental loss or damage to your portable items anywhere in Australia and for up to 35 days overseas in any one period of insurance.